Determining Abnormal Traffic Conditions from a Broadcast of Telematics Data Originating from Another Vehicle

1. A computer-implemented method of using telematics data at a destination computing device that is associated with a destination driver, comprising: receiving, via the destination computing device, telematics data associated with operation of an originating vehicle; identifying, via the destination computing device, an abnormal travel condition or traffic event based upon an analysis of the received telematics data; determining, via the destination computing device, that the abnormal travel condition or traffic event is relevant to the destination vehicle when the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver, (1) at least one of (i) providing, via the destination computing device, a graphical user interface (GUI) including a display of: (a) an indication of a description of the abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and (b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or (ii) automatically taking at least one other preventive or corrective action, via the destination computing device, to affect driving of the destination vehicle so as to alleviate a negative impact of the abnormal travel condition or traffic event, and (2) displaying, via the destination computing device, insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

2. The computer-implemented method of claim 1 , wherein the telematics data indicates that an originating computing device is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.

3. The computer-implemented method of claim 1 , wherein the telematics data is indicative of one or more of Global Positioning System (GPS) speed, GPS location, lane information associated with the originating vehicle, time, turning associated with the originating vehicle, GPS latitude and longitude, battery level associated with the originating vehicle, and telephone usage information associated the originating vehicle.

4. The computer-implemented method of claim 1 , comprising generating an alternate travel route that avoids the location of the abnormal travel condition or traffic event, and presenting the alternate travel route via the GUI.

5. The computer-implemented method of claim 1 , wherein the telematics data is received from an originating computing device via peer-to-peer (P2P) wireless communications.

6. The computer-implemented method of claim 1 , wherein the telematics data is received from an originating computing device via a remote server.

7. The computer-implemented method of claim 1 , wherein the insurance policy pricing adjustment information associated with the destination driver includes an insurance policy, premium, or discount based upon the at least one of (i) providing, via the destination computing device, the GUI or (ii) automatically taking, via the destination computing device, the at least one other preventive or corrective action to alleviate the negative impact of the abnormal travel condition or traffic event.

8. A destination computing device associated with a destination vehicle and a destination driver, comprising: a communication unit, comprising at least one transceiver, configured to receive telematics data from an originating computing device that is associated with an originating vehicle, the telematics data associated with operation of the originating vehicle; one or more processors configured to: identify an abnormal travel condition or traffic event based upon an analysis of the received telematics data; determine that the abnormal travel condition or traffic event is relevant to the destination vehicle when the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver, automatically take at least one preventive or corrective action to alleviate a negative impact of the abnormal travel condition or traffic event, the at least one preventive or corrective action including at least one of providing a graphical user interface (GUI) to alert the destination driver or at least one other preventive or corrective action that affects driving of the destination vehicle; and a display configured to at least one of: (i) provide the GUI, the GUI including a screen showing (a) an indication of a description of the abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and (b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or (ii) present insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

9. The destination computing device of claim 8 , wherein the telematics data indicates that the originating computing device is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.

10. The destination computing device of claim 8 , wherein the telematics data is indicative of one or more of speed associated with the originating vehicle, Global Positioning System (GPS) speed, GPS location, lane information associated with the originating vehicle, time, turning associated with the originating vehicle, heading associated with the originating vehicle, GPS latitude and longitude, battery level associated with the originating vehicle, and telephone usage information associated the originating vehicle.

11. The destination computing device of claim 8 , wherein the one or more processors are configured to take a preventive or corrective action that includes generating an alternate travel route that avoids the location of the abnormal travel condition or traffic event, and wherein the display is configured to present the alternate travel route.

12. The destination computing device of claim 8 , wherein the communication unit is further configured to receive the telematics data from the originating computing device via peer-to-peer (P2P) wireless communications.

13. The destination computing device of claim 8 , wherein the communication unit is further configured to receive the telematics data from the originating computing device via a remote server.

14. The destination computing device of claim 8 , wherein the insurance policy pricing adjustment information associated with the destination driver includes an insurance policy, premium, or discount based upon the destination driver using the destination computing device to automatically take the at least one preventive or corrective action to alleviate the negative impact of the abnormal travel condition or traffic event.

15. A tangible, non-transitory, computer-readable medium associated with a destination computing device that is associated with a destination vehicle and a destination driver, the computer-readable medium storing instructions that, when executed by one or more processors of the destination computing device, cause the destination computing device to: receive telematics data from an originating computing device that is associated with an originating vehicle, the telematics data associated with operation of the originating vehicle; identify an abnormal travel condition or traffic event based upon an analysis of the received telematics data; determine that the abnormal travel condition or traffic event is relevant to the destination vehicle when the abnormal travel condition or traffic event is located along a route upon which the destination vehicle is presently traveling; and when the abnormal travel condition or traffic event is found to be relevant to the destination vehicle or the destination driver, (1) at least one of: (i) provide a graphical user interface (GUI) including a display of (a) an indication of a description of the abnormal travel condition or traffic event, the indication of the description of the abnormal travel condition or traffic event including at least one of a text indication of the description or a graphical indication of the description, and (b) an indication of a location of the abnormal travel condition or traffic event, the indication of the location of the abnormal travel condition or traffic event including at least one of a text indication of the location, a graphical indication of the location, or a map indicating the location, or (ii) automatically cause at least one other preventive or corrective action to affect driving of the destination vehicle so as to alleviate a negative impact of the abnormal travel condition or traffic event, and (2) present insurance policy pricing adjustment information associated with the destination driver that is based upon a driver risk due to the determined abnormal travel condition or traffic event so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information.

16. The tangible, non-transitory, computer-readable medium of claim 15 , wherein the telematics data indicates that the originating computing device is experiencing one or more of high traffic conditions, congestion, road construction, and extreme weather conditions.

17. The tangible, non-transitory, computer-readable medium of claim 15 , wherein the telematics data is indicative of one or more of speed associated with the originating vehicle, Global Positioning System (GPS) speed, GPS location, lane information associated with the originating vehicle, time, turning associated with the originating vehicle, heading associated with the originating vehicle, GPS latitude and longitude, battery level associated with the originating vehicle, and telephone usage information associated the originating vehicle.

18. The tangible, non-transitory, computer-readable medium of claim 15 , wherein the instructions, when executed by the one or more processors, cause the destination computing device to take a preventive or corrective action that includes generating an alternate travel route that avoids the location of the abnormal travel condition or traffic event, and presenting the alternate travel route.

19. The tangible, non-transitory, computer-readable medium of claim 15 , wherein the instructions, when executed by the one or more processors, further cause the destination computing device to receive the telematics data from the originating computing device via one of (i) peer-to-peer (P2P) wireless communications, or (ii) via a remote server.

20. The tangible, non-transitory, computer-readable medium of claim 15 , wherein the instructions, when executed by the one or more processors, further cause the destination computing device to display the insurance policy pricing adjustment information associated with the destination driver including an insurance policy, premium, or discount based upon the at least one of (i) providing the GUI or (ii) automatically causing the at least one other preventive or corrective action to alleviate the negative impact of the abnormal travel condition or traffic event.